1. Buy Button Technical Working Group
Business & Data Flow Diagrams

2. Document Purpose
This document is intended to outline the high-level business processes involved in securing quotes from carriers for PL consumers, and to relate these business processes to the data flow and technical challenges involved in securing quotes and binding/issuing policies
This is being done to help us identify:
Any technical obstacles to allowing for more digital transactions
Existing technologies that could be enhanced to enable a ‘Buy Button’ workflow at the point of opportunity
Areas of technology that are lacking that should be created to enable a ‘Buy Button’ workflow

3. Buy Button User Story
“Independent agents need the ability to submit prospect and insured details to multiple carriers in a single workflow and receive multiple, immediate quotes and then easily proceed to payment processing and policy issuance.”
The sales cycle should be completed in a single process/workflow
The overall solution should support multiple, digital methods to exchange documents and data directly between agencies, carriers, and consumers
From agents perspective: “wherever I start from, is where I want to finish”

4. Outstanding Items Workflows to be completed:
Current + New Consumer = 2nd DRAFT
Current + Existing Insured = Not Started
Future + New Consumer = 2nd DRAFT
Future + Existing Insured = Not Started
Endorsement Handling = Not Started
Identify where/how to call out involvement of wholesalers/MGAs

5. Diagram Overview For the purposes of the process diagrams:
Consumers are represented by blue, agencies are represented by red, carriers are represented by purple, and vendors are represented by green
Process steps that are currently limited by technical obstacles are identified by a star – Color-matched to the entity responsible for a solution
‘Current State’ is the present, disjointed and non-digital, workflow most independent agents use to complete the PL sales cycle
‘Future State’ is the preferred workflow that will exist after implementation of process and technology solutions to satisfy the Buy Button ‘User Story’
Agency Portals include: custom & vendor-provided websites, APIs, web services, etc.
Digital Marketing includes: consumer searches, online communication, digital ads, help bots/AIs

6. Current State – New Business Workflow
Prospect calls agency
Agency captures full prospect details
Agency submits details to multiple carriers
Carriers evaluate submission
Carriers return quotes
Agency shares best quote(s) with prospect
Prospect chooses a carrier
Agency navigates to carrier
Agency finishes the quote process
Carrier runs reports
Premium & coverage is finalized
Agency provides carrier contact info to prospect
Prospect navigates to carrier
Prospect makes payment
Carrier issues policy

7. Future State – New Business Workflow
Prospect navigates to agency portal
Agency captures basic prospect details
Agency leverages data enrichment
Agency submits details to multiple carriers
Carriers evaluate submission
Carriers return quotes
Agency shares best quote(s) with prospect
Prospect chooses a carrier
Agency navigates to carrier
Agency finishes the quote process
Carrier runs reports
Premium & coverage is finalized
Prospect navigates to carrier
Prospect makes payment
Carrier issues policy
Consider: Call out direct quote workflows from AMS?
Continuity of workflow: Broken during “submission” or full, immediate return of multiple quotes
DETAIL: When consumer uses agency infrastructure/trust framework/data to submit quote directly to carrier, with response to consumer, and notification to agency (but not with any actual upfront agency work/ conscious involvement) – ADD: It’s not that different from insured directed/managed CL programs